Kim Hill has been presenting RNZ's award-winning Saturday Morning programme for the last 20 years. Her earlier career included television, and radio and print in Aotearoa, UK and Australia. For RNZ, she worked in Greymouth and Gisborne before joining Checkpoint, Morning Report, and Nine to Noon. Kim looks forward to returning to the ICNZ Conference as MC.

Samantha has extensive international regulatory experience, most recently as Chief Executive of UK’s Business Banking Resolution Service, a dispute resolution scheme for banks and business customers. Prior to that she was Chief Executive of the Gibraltar Financial Services Commission, which oversees the prudential and conduct regulation of Gibraltar’s financial services sector. She has held a number of other senior roles at finance regulators and industry associations, including the UK’s Financial Conduct Authority and the London Investment Banking Association. Samantha grew up in Christchurch, and studied Economics at the University of Canterbury and Victoria University of Wellington, before beginning her career as an economist at the Reserve Bank of New Zealand.

Ronji is the principal policy advisor for the Social Policy and Parliamentary Unit of The Salvation Army, based in South Auckland. He is a committed Christian who works in advocacy and policy around housing, justice reform, addictions treatment, financial hardship, welfare reform, youth, and children. His approach is to be positively disruptive to advocate for change to government, corporations, and other agencies focused on meeting the needs of the people served by The Salvation Army.

Annabelle is a financial services professional with more than 25 years of experience, mainly in the public policy, consumer affairs and financial resilience disciplines. As part of her on going roles, Annabelle is the Industry Chair of the General Insurance Code of Practice and an industry Panel Member for AFCA. Annabelle is a strong believer in bringing together different sectors to work on improving resilience and was an inaugural member/leader of the Thriving Communities Partnership (TCP) – a cross sector collaboration, aimed at reducing financial vulnerability across the community. Annabelle is an advocate for evidence based policy development that enables systems of risk transfer and access to essential services to work efficiently and inclusively across the economy. As such Annabelle has served various roles, including the Chair of the Australian Centre of Financial Services Insurance Reference Group and Board member, which provided policy advice to Government and a member of the CPRC Consumer Policy Research Centre, whose focus is on the use of data in creating good consumer policy and protections. Annabelle’s work has been recognised publicly by being given various Insurance Industry Awards for Innovation and Leadership.

Regulators, insurance companies and customers are all wanting the same things – the right cover for the right price and to trust that there will be smooth sailing with no surprises at claims time. Are regulators satisfied that new conduct regulation will be enough to reduce risks of harm? Insurers too are focused on their own efforts to innovate and improve the financial wellbeing and resilience of customers. What might this look like?